The scapula forms the back of the shoulder girdle. In humans, it is a flat bone, roughly triangular in shape, placed on a posterolateral aspect of the thoracic cage.
Term life insurance with a return of premium rider allows the owner to get his or her money back at the end of the contract period. The return of premium rider allows the owner to cancel the policy and get back a portion of the paid in premiums. Of course, this optional rider has pros and cons, which we explore next.
Term life can be as permanent as you choose to make it, via guaranteed renewable policies. And equivalent amounts of money disappear, to pay for insurance, whether the policy is term or cash value. There can be benefits to a cash value plan, but these are not among them.